I read an interesting article on MSN and find it worth to share the 9 smart tips which can protect us, the online banking users:
1. When logging on to a bank Web site, a user should look closely at the site's URL to make sure it matches the bank's name. A more secure URL will begin with "https://" and be followed by the bank name. Make sure the bank's padlock is displayed in a corner of the site before you log on.
2. Log on to banks only from a secure computer. Never log on from a public computer in a hotel or cafe, and be careful when logging on to unknown networks with a laptop.
3. If you get a warning e-mail, call your bank -- don't click on any provided links.
4. If your computer is acting strangely -- for instance, reacting slowly or getting pop-ups -- avoid using it for online banking until you can get it checked out.
5. Keep anti-virus and anti-spyware software up to date.
6. Install and maintain a firewall.
7. Never respond to any e-mail that requests personal information.
8. Be leery of fly-by-night, Internet-only banks with high interest rates on savings or checking accounts. Make sure the bank is FDIC-certified and is insured.
9. And, most importantly, use a different user name and password for each financial account. The password should be complex, with numbers and symbols, and changed regularly.
Still, there are no guarantees.